unauthorised credit card transaction - A&L

Ivrytwr3

Hey all,

Just had a phonecall at work from wife who has informed me that there is a debit of £155 on her credit card which she has no knowledge of.

The card is with A&L and the payment is to

pearce comaz Wolverhampton

I have checked out a website that looks like relating to pearce comaz and it sells printer inks. As well as the website looking very dodgy (spelling errors etc) there is no way we would spend £155 on inks!

*edited to add* She has contacted A&L who have told her to contact the store (they gave her a telephone number!) and told her to request a refund! The number is the same as the printer ink website.

I contacted the store and the call was answered with "hello" - no mention of store name etc. I explained the problem and he said to send him an email and he will look into it.

I'm not happy with this as we are 100% we didn't buy from them and are now worried about what other transactions will start to appear.

My intention is to call back and cancel card, requesting another and request a chargeback is started immediately.

Any suggestions?!

INT1

If it is only one transaction, typically it would first be dealt with by the banks chargeback department, however it appears the card is beiong misused so would suggest A&L do cancel the card and issue you a new one.

topgeezer

Couldn't help but stop in my tracks when I saw this post. I have exactly the same thing on my virgin credit card - I have been charged £146 by Pearce Comaz on tuesday BUT virgin are making me find out more information about this transaction. I know for a fact I have not spent this money and getting a response from PC today has been non-existent. We have emailed and phone but basically have gotten nothing.

Virgin won't even consider helping at this stage even though we know 100% this is a fraudulent transaction!

It's so frustrating!!

INT1

If it's only one transaction on each of your cards, it sounds like it is some sort of "free trial" which maybe wasn't free?

Virgin is operated by MBNA (bank of america)
A&L used to be as well but didn't they migrate to Santander?

chattychappy

What nonsense! Write a letter:

1) You don't recognise the transaction and have had no dealings with the company. Therefore you dispute the transaction.
2) It is for them to prove the transaction not for you to disprove.
3) You will cooperate with their reasonable procedures but it is inappropriate for the CC to ask you to investigate a problem with a merchant with whom you have no relationship.
4) Unless they handle this properly you will escalate, to the FOS if necessary.

Gretal

I just googled PearceGomaz and found this thread.

On 24/5/11 my credit card called me asking if I could confirm 2 transactions the previous evening. First was small, second larger which triggered a security alert. Not mine, so they stopped the payments. Well done Lloyds TSB.

Pearcecomaz.net of Wolverhampton. I didn't make a purchase, and never have. Just looked up pearcecomaz.net on WHOIS, domain was first registered in Feb 2011.

Shouldn't somebody call the police? Or am I being naive?

Good luck with your claim, hopefully a stack of posts on this forum ought to help you convince them of your innocence.

pvt

Gretal wrote: »

Shouldn't somebody call the police?

Possibly. But I don't suggest that somebody is you or the OP. It is the banks and pearcecomaz who are going to be the losers once you all get your money back.

Has anyone considered that pearcecomaz might be a quite legitimate company and it's them that is being ripped off? To me it looks like a small sell-through operation and could be a soft target for fraud?

It's not for you to be ringing a company that you have no contractual or other relationship with. What happens when the next fraudulent transaction is from a company in Sao Paulo, Brazil - they gonna ask you to ring them as well?

Exactly as Chattybloke has advised, recontact your CC Cos and tell them it is not a transaction you have made. Full Stop.

pvt

topgeezer

After writing to Pearce Comaz and checking that they had my email (they said they would send a reply that day); I had nothing from them and now I can't get a response from them at all.

Virgin/MBNA have now sent me a form to fill in but it states 'they review my file within 5 business days & if they require any further information they will contact me' - what further information could they need!! It wasn't a free trial, it wasn't a transaction for another company trading under their name - it is fraud outright. I am sorry but it is not my concern that Pearce Comaz are getting ripped iff because actually it is me.

As PVT points out - what if it was a company in another country - it is just not good enough that I have to investigate this myself.

I am going to print this forum out to show that others have had the same experience and attach it to my claim - fingers crossed.

Gregm

I've just had a call from a relative who has a debit card payment showing on their statement dated last week for a large amount to Pearcecomez

It appears that pearcecomez is an individual that is also being ripped off. For one the domain name is registered to an individual named David Pearce of 1 Market st, Wolverhampton. It also appears the site is a 'turn key' site from http://www.dpbuk.co.uk/inkjet-and-toners-business.php, pay £20 and get ready made business.

I also wonder what, if anything, you all have in common. Surely more important is where everyone has used their cards for their details to be stolen rather than where it's being spent and there must be a link.

saltysurfer

Hi this is my first post on any forum , but i thought i must send a post as i too have been robbed by the same method on the 27th of may 2011 only noticed when i got my bank statement , luckily i have one sole card that i do most of my internet transactions on and to be honest pretty much all my activity is with e bay via pay pal or with alert pay and i havent given my card details out elsewhere as im very careful .
The amount was over a hundred pounds , but not enough to trigger any alert by my bank , which is barclays who have handled this well so far , putting the money back into my account within 2 days (not happend yet only reported it yesterday) canceling my card and sending me some forms to fill out , oh and asking if i dont mind having police involved.
i will post back with any update

saltysurfer

a quick update , got the money put back into my account as promised :T and filled out a few forms cut up card and sent back for them to investigate further . on a bad note just got my statement from my other card with barclays and have two more debits from pearcecomaz 31st may £85 1st june £109.90 :mad: so have reported these through same process . will update soon